JP2002024543A - System for changing contract through network and method for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and method for changing a contract through a network capable of making it unnecessary to rewrite a contract, allowing a person who is financed to remotely change the contract contents, and saving any work of a person who finances to increase the limit of the loan. SOLUTION: This system for changing a contract through a network is provided with a contract concluding means 101 for promoting a contract related with financing whose limit is not decided, a financing transaction executing means 102 for promoting the start of the financing transaction, a means 1031 for extracting a person who is scheduled to increase the limit of a loan from among persons who have financing transactions, a transmitting means for making an inquiry to the person who is scheduled to increase the limit of a loan, and for promoting the person to respond to judging whether or not the increase of the limit of a loan is valid, and a means 1032 for deciding a person who is qualified to increase of the limit of a loan by obtaining a response from the person who is scheduled to increase the limit of a loan, and a means for concluding a contract for the increase of the limit of a loan by presenting a sum validating the increase of the limit of a loan to the person who is qualified to increase the limit of a loan, and for prompting the person to input the desired sum of the validated increase of the limit of a loan.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for changing a contract in a finance network, and more particularly, to a contract change by a network suitable for use in changing a contract related to an increase in a financing frame, for example, in making a loan. System and method.

[0002]

2. Description of the Related Art Conventionally, when changing the contents of a contract related to a loan, the contract is rewritten by a person who has received the loan. In the case of changing the contract content by rewriting such a contract, either rewrite the contract face to face with the loan recipient or mail the contract and send the contract to the contractor. It is implemented by having them rewritten.

[0003]

However, if the contract is rewritten by such a face-to-face or mailing method, it takes a long time, and in addition, it takes time to inquire of the borrower for a credit increase or to request a credit increase. In order to execute the contract,
There is a significant human burden on the lender. Therefore, a main object of the present invention is to eliminate the need to rewrite a contract, allow a person who has received a loan remotely to change the contents of the contract, and increase the loan amount of the person who provided the loan. An object of the present invention is to provide a system and a method for changing a contract by a network, which can reduce the number of contracts.

[0004]

Means for Solving the Problems First, when making a loan, at the time of concluding a contract, on a screen of a personal computer or an i-mode mobile phone, etc., answers to various questions related to the loan are obtained. Prompting for the application form and obtaining these answers and the information entered in the application form leads to a formal contract conclusion. At this time, a contract is concluded with the recipient of the loan with a contract that does not specify the limit. Next, at the stage of obtaining the formal contract,
Execute a loan transaction with the person receiving the loan. For the financing, one of an ATM, a bank transfer, and a method of sending information to a computer at a store and executing the financing at the store is selected. Next, after a certain period of time has passed since the conclusion of the loan transaction contract, a prospective credit extension candidate who can extend the loan is extracted by a developing credit, and a person who has a loan transaction capable of increasing the limit is On the other hand, an inquiry is made by a communication means such as e-mail to determine whether or not to increase the number of frame-expected persons. Next, get answers to the inquiries from those who will increase the frame,
It is determined whether or not additional frames are possible. Then, when the frame increase possible is determined, the frame increase possible amount is indicated to the frame increase possible person, and the company that can increase the frame is prompted to input a desired frame increase amount. Next, a loan is made to a person who has concluded the expansion contract on the wide area computer network, at the request of the person who has concluded the expansion contract.

According to a first aspect of the present invention, there is provided a system for changing a contract by a network, wherein the system prompts a contract for a loan with no limit on a loan, a contract conclusion means, and a start of a loan transaction. Loan-transaction executing means, and a frame-expected person extracting means for extracting a frame-expected person who can increase the loan from those who have a loan transaction, and whether or not the frame-expected person is to be expanded. A means for inquiring and prompting an answer to determine the number of persons who can increase the number of frames, A contract change system via a network, including a frame increase contract signing means for indicating a possible frame increase amount and prompting input of a desired frame increase amount. The invention according to claim 2 of the present invention is the system for changing a contract by a network according to claim 1, further comprising an additional financing executing means for executing an additional financing to a person who has concluded a frame expansion contract. According to a third aspect of the present invention, there is provided a system for changing a contract by a network according to the first or second embodiment, further comprising a loan interest rate changing means for executing a change of a loan interest rate to a loan contractor. is there. The invention according to claim 4 of the present invention further executes a change in the repayment method to the loan contract holder.
A system for changing a contract by a network according to any one of claims 1 to 3, including a repayment method changing means. The invention of claim 5 of the present invention obtains loan information of another person in a person who has a loan transaction, and based on a criterion such as a repayment status of the person who has a loan transaction, an increase or decrease in the amount of borrowed by another person, and the like. A system for changing a contract by a network according to any one of claims 1 to 4, which determines whether or not to increase a frame and determines an amount of the frame to be expanded. The invention according to claim 6 of the present invention is the system according to any one of claims 1 to 5, wherein the transmission means includes an e-mail. The invention according to claim 7 of the present invention is characterized in that the inquiry includes a change in the contract by the network according to any one of claims 1 to 6, wherein the change includes an increase or decrease in the income of the prospective frame increaser and / or an increase or decrease in the amount borrowed by others. System.
The invention according to claim 8 of the present invention is a method of changing a contract by a network, comprising: a contract conclusion step for prompting a contract for a loan with no limit on the loan; and a loan transaction step for prompting the start of a loan transaction. Extracting a frame-expected person who can increase the loan from among those who have a loan transaction, and extracting a frame-expected person extraction step; and determining whether to increase the frame for the frame-expected person. Inquiries and prompts for answers,
A transmission step and a step to determine whether or not it is possible to obtain a frame after obtaining an answer from the person to be allocated a frame. This is a method of changing a contract by a network, which includes a step of concluding an expansion contract, which prompts for an input of an amount. The invention according to claim 9 of the present invention is the method for changing a contract by a network according to claim 8, further comprising an additional financing execution step of executing an additional financing to a person who has concluded a frame expansion contract. The invention according to claim 10 of the present invention further provides a method for changing a contract by a network according to claim 8 or claim 9, further comprising the step of changing the loan rate to the loan contract holder. is there. The invention according to claim 11 of the present invention further includes a repayment method change step for executing a repayment method change to the loan contract contractor, the contract change by the network according to any one of claims 8 to 10. This is the method. The invention of claim 12 of the present invention obtains loan information of another person in a person who has a loan transaction and, based on a criterion such as a repayment status of the person who has a loan transaction, an increase or decrease in the amount of borrowed by another person, etc. A method of changing a contract by a network according to any one of claims 8 to 11, wherein a determination is made as to whether or not to increase a slot and an amount to be increased. In the invention according to claim 13 of the present invention, the transmitting step inquires and prompts an answer in order to determine whether or not to increase the number of frames by e-mail to a prospective person. This is a method of changing the contract by the network described in C. The invention according to claim 14 of the present invention is characterized in that the inquiry includes a change in contract by the network according to any one of claims 8 to 13, wherein the inquiry includes an increase or decrease in the income of the person planning to increase the number of shares and / or an increase or decrease in the amount borrowed by another party. This is the method.

The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the embodiments of the present invention with reference to the drawings.

[0007]

FIG. 1 is a diagram showing a configuration example of a system for changing a contract by a network according to an embodiment of the present invention. This system for changing a contract by this network is mainly a system suitable for changing the contract when making a loan. As shown in FIG. 1, a loan center 1 which is a loan service provider, a loan contractor who receives a loan Various kinds of services are provided to a customer client 2 under a customer, an ATM 3 for giving a loan to a customer who actually receives a loan, that is, an ATM 3 for giving and receiving cash, a financial institution 4, a store computer 5, and a person who receives a loan to the loan center 1. It is composed of hardware of an information center 6 that provides information on the loan status. These are physically connected by a wide area computer network. In the following description, the loan center 1, customer client 2, ATM
3. It is assumed that the network connecting the financial institution 4, the store computer 5, and the information center 6 is the Internet.

The financing center 1 is provided with information processing equipment such as a personal computer, a workstation, a server, a WWW server, and a mail server in order to execute services to customers via the Internet and e-mail. , And are configured to be processed by these information processing devices.

The customer client 2 is a terminal that uses various information provided by utilizing a network in order to receive a service from the loan center 1. For example, a personal computer, a mobile phone (for example, i-mode) Is realized by: The customer client 2 is an input / output device serving as an interface with a user as a customer, and is specifically realized by an input device such as a keyboard and a mouse and an output device such as a CRT display. It is also realized by a mobile phone. As an information input device for text data and the like, a keyboard is prepared, but a pointing device such as a mouse, a trackball, and a joystick, a touch panel,
A wide variety of input devices such as switches can be used. As a device capable of storing images or other information, a hard disk and a CD-ROM drive are prepared, and image information or programs stored on a CD can be used. Of course, DV
It is also possible to configure with a device for a storage medium such as D, MO, or a memory unit. Further, the personal computer and the mobile phone of the present example can be connected to the Internet and e-mail as a computer network (network), and can exchange information such as image information or character information via the network. ing. In addition, the customer client 2 operates as WWW as an interface with the server of the loan center 1.
Have a browser. When the client 2 is a personal computer, the WWW browser is realized as a program stored in its memory.

The financing center 1 is configured to transmit and receive data to and from the customer client 2 via the Internet and e-mail. The financing center 1 includes a control unit 100, a contract conclusion unit 101, a financing transaction executing unit 102, a credit processing unit 103, a loan interest rate change. Means 104, repayment method changing means 105, WWW server
Communication means 106 including a mail server and the like, input means 108
And output means 109. The loan center 1 specifically includes a personal computer, a workstation,
An information processing device such as a server is provided, and processing is performed by these information processing devices. Control means 100, contract conclusion means 1
01, loan transaction execution means 102, credit processing means 103,
The loan interest rate changing means 104 and the repayment method changing means 105
It is stored and executed in a storage device such as a magnetic disk device or an optical disk device of these information processing devices. Each of the above processing means is actually stored and executed in a memory of the information processing device in the form of a program.

The contract concluding means 101 is a contract concluding means for urging a customer who receives a loan service a loan-related contract (financial loan contract) with no limit on financing and concluding an extreme amount contract.

The loan transaction execution means 102 is a means for executing a transaction and transferring money in order to conclude a contract with a customer and start a loan transaction. This functions as follows, depending on the difference between the procedure for starting a transaction and the method of giving and receiving money. In the case of ATM3, instruct the customer to enclose the card when sending the application (including the money consumption loan agreement) for joining the network caching member,
Alternatively, instruct the card to be handed over at the store counter, send the card and confirm that the card has been handed out, confirm it, and return the self-signed application form for membership of a network cashing member, including a loan agreement When it is done, it functions to input that the receipt has been confirmed and to instruct the execution of the loan after confirming the receipt. Further, in the case of a transfer to another financial institution 4, when a network caching member enrollment application form (including a money consumption loan agreement) is sent to a customer, the network caching member enrollment application form including the money consumption loan agreement is sent to the customer. It functions to instruct mailing, confirm the conclusion of the contract by inputting that the contract has been obtained, and issue an instruction to transfer the loan money to a financial institution account designated by the customer. In the case of the in-store computer 5 of the loan center 1, the in-store computer 5 of each attended store providing a loan has a function of instructing a loan. In the case of a store counter, it functions so as to perform the same processing as that of the ATM. The loan transaction execution means 102 is an ATM
3. Send instructions to the financial institution 4, such as a bank, and the store computer 5 regarding the execution of the loan, and receive the loan based on the repayment withdrawal data of the customer who received the loan recorded in a database in advance. Means for confirming whether or not a repayment request has been made and the loan has been made.

The credit processing means 103 functions to select a customer who can increase the number of frames, and to transmit to the corresponding person that the frame can be increased by Internet / E-mail. Possible person determination means 1032, history / credit limit data creation means 1033, credit limit creation means 10
34, a credit limit providing unit 1035 is provided. The frame expansion candidate extracting unit 1031 is a unit for extracting a frame expansion candidate who can increase the loan from among customers who have already made a loan and have a loan transaction. The frame expansion possible person determination means 1032 determines whether or not to increase the number of prospective frame expansion candidates who have been extracted as those who can increase the financing from those who have already made a loan transaction. Has a function of making various inquiries, obtaining answers to the inquiries, and determining whether or not the frame can be increased. Credit processing means 10
Numeral 3 is a means for providing credit to a customer who is a loan trader who receives a loan from the loan center 1 in a money lending contract or the like, and records and manages each data as customer data (shown in FIG. 3). Is provided. Credit processing means 103
The history / credit limit data creating means 1033 records and stores the history of customers who have performed transactions for a predetermined period in the past, as well as the continuity in customer data (shown in FIG. 3) that has performed transactions for a predetermined period in the past. Certain data and discontinuity data are extracted and categorized, coefficients are assigned to each category, and the probability of delinquency and / or unpaid for each customer is calculated by the arithmetic means based on the assigned coefficients. It is a means for calculating. Data with continuity include birth date, registration date, establishment date, establishment date, capital, number of employees, number of family employees, number of regular employees, number of bases, contract date, annual sales, Data such as operating profit and ordinary profit. Discontinuity data includes phone numbers, representative names, contact names, titles,
This is data such as the registered address, address, business type, business type, and health insurance subscription status. The credit limit creation means 1034 extracts credit items from customer data (shown in FIG. 3), categorizes each credit item and gives a coefficient to each category, and calculates each customer by a calculating means based on the provided coefficient. Based on the probabilities calculated by the history / credit limit data creating means 1033 for calculating the probability of delinquency and / or unpaid for each group, the two types are grouped into infinity (∞) types. This is a means for creating a credit limit.
The credit limit granting means 1035 categorizes continuous data and discontinuous data items from the customer data for credit calculation sent from the service provider (claimer), and gives a coefficient to each category. , Calculating the probability that each limit will be overdue and / or unpaid based on the assigned coefficient, and grouping from two types to infinity (∞) based on the calculated probabilities, This is a means for giving a credit limit determined in a group to which each customer belongs to each customer.

The database management means 107 includes data relating to items heard from the customer by the contract conclusion means 101, a repayment method, an interest rate, a payment date, etc. inputted in a network caching member enrollment application form (including a money consumption loan agreement). This is a means for recording and managing data on repayment requirements and contract clauses, customer management and credit data, etc. as a database.

The control means 100 includes a central processing unit (CP)
U), the contract conclusion means 101, the loan transaction execution means 1
02, credit processing means 103, loan interest rate changing means 104,
It includes a control device for controlling operations of the repayment method changing means 105, the communication means 106, and the database management means 107, and an arithmetic and logic operation device for performing four arithmetic operations and comparison judgment.

The loan interest rate changing means 104 inquires whether or not to change the loan interest rate, inquires a customer who has already made a loan transaction as to whether or not to change the loan interest rate, and obtains an answer. This is a means for determining whether the loan interest rate can be changed and changing the loan interest rate.

The repayment method change means 105 has two types of repayment methods, a cycle system and a contract date system. The repayment method change means 105 inquires whether to change any of the repayment methods from the current repayment method. This is a means of obtaining a response and concluding a change contract with a customer who has selected a cycle system or a contract day system different from the conventional repayment method.

Next, a method of concluding a contract and changing the contract by the network will be described. First, the loan center 1 sends a contract message to the customer client 2 via the computer network and e-mail via the communication unit 106 by the contract conclusion unit 101 by the control unit 100 as shown in FIG.
Is transmitted, and is controlled to be displayed on a display as an output means of the client client 2. Then, an agreement confirmation screen (shown in FIG. 5) for inquiring whether or not to agree on various items related to financing is transmitted, and control is performed so as to be displayed on a display as an output means of the client client 2. next,
If the "Agree" button is selected on the consent confirmation screen (shown in FIG. 5) in the customer client 2, the contract conclusion means 101 sends a request to the customer who is the loan applicant in FIG. The user is urged to input necessary items as financing information and other necessary items shown in FIG. That is, the control means 100 controls the contract conclusion means 101 to transmit the screen of the network caching member enrollment application form to the client client 2 through the wide area computer network and e-mail via the communication means 106, The screen of the network caching member enrollment application form shown in FIGS. 5 to 7 is displayed on the display 2.

Then, the customer is urged to input necessary items in the application form in the client client 2 and confirms that these inputs have been completed. When the customer confirms that the input has been completed, the customer includes the monetary loan agreement shown in FIG. Give instructions to enroll in the membership application form. The membership application form is mailed separately to the customer in accordance with the contents (address, name, name, etc.) entered on the screen of the network caching membership application form, and is returned after being signed by the customer. Arrange for Then, if the membership application form including the money consumption loan agreement is returned, the input means 108 in the financing center 1 again inputs that it has been returned, and the contract is made by the conclusion contract means 101. Is recorded and managed.

Next, when a money consumption loan contract is concluded with the customer, the control means 100 performs processing for actually delivering the loan amount to the customer. That is, under the control of the control means 100, the loan transaction execution means 102 instructs the "AT
M ”,“ bank transfer ”, and“ store counter ”. In the case of an ATM, the card is enclosed when sending the application form for enrolling a network caching member (it is an unusable card that cannot be used at the time of enclosing) or the card is handed over at the counter, after the conclusion of the contract, Processing is performed so as to finance by ATM3. In the case of a bank transfer, after the contract is concluded, processing for transferring the loan amount to the account of the financial institution 4 designated by the customer is performed.
The procedure for bank transfer is as follows.
In the case of automatic transfer, after confirming the identity of the customer client 2, a mobile phone or the like, the transfer procedure to the financial institution 4 is performed by the firm banking system.
In the case of a store counter, necessary information is transmitted from the loan center 1 to the store computer, and at each store (manned store),
In accordance with a financing instruction from the financing center 1, financing is performed.

Next, an explanation will be given of a method of in-process credit for extracting, from among customers who have made a loan transaction, prospective frame increasers who can increase the loan. The control means 100 includes the credit processing means 1
03, various data relating to customers managed by the database management means 107 and history / credit limit data creation means 1
The various types of data created in step 033 are compared and determined, and customers who can increase the number of frames are selected. Then, the control unit 100 controls the credit processing unit 103 for the customer whose frame can be expanded extracted by the frame expansion candidate extracting unit 1031, and the communication unit 106 communicates through the Internet / E-mail.
In order to determine whether or not to increase the number of frames for each customer client 2, control is performed to display an inquiry screen for inquiring about necessary items. This credit is, for example, one every three months.
Time, the information of the borrowing status of the customer obtained from the information center 6 is automatically acquired, and the database management means 10 relating to the customer managed by the financing center 1 is obtained.
By comparing and judging various data under 7, whether or not to increase the frame and the amount to be increased can be examined, and whether or not to increase the frame and the amount to be increased can be determined. As shown in the frame expansion inquiry screen for mobile phones (shown in FIG. 12) and the personal computer frame expansion guidance screen (shown in FIG. 13), the confirmation of the current transaction contents and the current customer situation Also, if necessary, a screen for inquiring about an increase or decrease in income and an increase or decrease in the amount of borrowing from another company is included.

Next, the control means 100 controls the limit amount desired by the customer as shown on the screen for inputting the desired amount of extra frame for the mobile phone (shown in FIG. 14) and the input screen for the desired amount of extra frame for the personal computer (shown in FIG. 15). Is input to the customer client 2 via the Internet / Email via the communication unit 106 by the frame increaser determining unit 1032. In the customer client 2, the customer enters the desired limit for the increase, and clicks "Next".
Then, the control means 100 causes the customer processing unit 100 to provide the customer client 2 with an increase for the mobile phone via the Internet / E-mail via the communication means 106 by the frame increaser determining means 1032 of the credit processing means 103. A frame confirmation screen shown in FIG. 16 and a frame confirmation screen for personal computers (FIG. 17) are transmitted. In this frame increase confirmation screen, the customer client 2 confirms the input contents and presses the “execute” or “frame increase” button, or if the content is to be corrected, presses the “correction” button. Contact customer. For income, “No increase / change” or “Decrease” is displayed, and for borrowings of other companies, “No decrease / change” or “Increase” is displayed and confirmed. Then, since the limit amount desired by the customer has already been entered, the amount for confirmation is displayed. The customer confirms the content by the customer client 2 and, if there is no mistake, executes or increases the number.
Select the button, and if there is an error, select the "correct" button. When the "correction" button is selected, the display returns to the previous inquiry screen for an increase in the number of frames, and prompts the user to correct an error.

When the “execute” or “additional frame” button is selected, under the control of the control unit 100, the frame addition possible person determination unit 1032 of the credit processing unit 103 connects to the Internet via the communication unit 106. A frame addition end screen shown in FIG. 18 is transmitted to the customer client 2 via the e-mail. The customer confirms the completion of the frame addition procedure on the frame addition end screen transmitted to the customer client 2 and, if he wishes to make a transfer at that time, selects the “Transfer Loan Application” button and performs control. The means 100 controls the loan transaction executing means 102 and transmits necessary instructions to the ATM 3, the financial institution 4, and the store computer 5 via the communication means 106. If no loan application is made at that time, the display returns to the top screen.

In the financing center 1, the control means 100
Is determined by the credit processing means 103.
032, the credit limit creation means 1034 and the credit limit granting means 1035 obtain a response to the customer's current situation, that is, a response as to whether the income has increased, not changed, or decreased. Depending on the answer of the increase, control is performed so as to perform the final judgment on whether the amount can be increased.

Next, in the financing center 1, the control unit 100 controls the Internet / E-mail via the communication unit 106 by means of the frame increaser determining unit 1032, the credit limit creation unit 1034 and the credit limit granting unit 1035. , An input screen (shown in FIGS. 14 and 15) of the desired increase amount is transmitted to the client client 2 and displayed. The customer sees the display of the current usage limit and the possible frame increase displayed on the use limit input screen transmitted to the customer client 2, and inputs the desired frame increase amount with the number buttons. By inputting the desired amount of the additional frame, a loan contract for the additional frame is concluded. Then, if it is finally determined that the frame can be increased, an instruction is given to shift to the next frame increase confirmation screen (shown in FIGS. 16 and 17).

Then, when a contract for increasing the usage limit is concluded, an additional loan is made, for example, in accordance with the above-described transaction method. That is, in the case of the ATM, if the card is inserted into the ATM3 device, the financing center 1 already has the history / credit limit data creating means 103.
Since the amount that can be increased is recorded and managed by 3, the additional loan can be executed. In the case of a bank transfer, in order to transfer a loan fund to an account of the financial institution 4 designated by the customer, a firm banking system is used to perform identity transfer and then to perform a transfer process. . In the case of the normal transfer, although it is almost the same as the automatic transfer, necessary items are set out by the printer under the control of the output unit 109 on the transfer processing sheet for the transfer in the financing center 1. Then, the transfer paper is used to perform the transfer processing to the nearest financial institution 4.

Next, the change of the loan interest rate will be described. When changing the loan interest rate to the loan contractor, the screen for inquiring whether or not to change the loan interest rate is displayed by the loan interest rate changing means 104 via the communication means 106 controlled by the control means 100 via the Internet. -Sent to customer client 2 via email. Then, a hearing matter of the contents related to the change of the loan interest rate is displayed on the customer client 2, and the input of the hearing contents such as the borrowing status of the customer is prompted. In the financing center 1, the control unit 100 controls the credit limit creation unit 1034 and the credit limit granting unit 1035 to control the current borrowing status input by the customer and the information from the information center 6 already acquired in the financing center 1. Compare and judge the repayment status, borrowing status of other companies, etc., and reduce the contract interest rate.

Next, the change of the repayment method will be described. There are two repayment methods: a cycle system (a system in which the next payment date is, for example, 31 days after the customer's payment) and a contract day system (a system in which a fixed date is set as the payment date).
If the customer wants to change the repayment method after the customer has concluded the loan contract, the control means 100 of the financing center 1 changes the repayment method 105
And via the communication means 106, the Internet
On the screen for changing the repayment method sent to the customer client 2 via email, the customer selects one of the buttons of "cycle system" and "contract day system",
The repayment method can be changed.

[0029]

According to the present invention, it is possible to remotely change a loan contract for financing through a network without going to the head office of the financing center or each manned store. Is extremely convenient. In addition, since the loan center operates 24 hours a day, the customer can take advantage of any time they need it.
For example, the limit can be increased by using a personal computer or mobile phone at hand, whether at home or when going out. Moreover, the amount of work at the loan center can be reduced,
The time required for changing the contract can be reduced.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of a system configuration for changing a contract by a network according to an embodiment of the present invention.

FIG. 2 is a diagram showing a flow of a contract change by a network in a mobile phone according to an embodiment of the present invention.

FIG. 3 is a diagram showing a database structure of customer management and credit data.

FIG. 4 is an illustrative view showing one example of a top screen of a membership application for network caching used for loan application;

FIG. 5 is an illustrative view showing one example of a screen for confirming consent of a network caching member enrollment application used for a loan application;

FIG. 6 is an illustrative view showing one example of an information input screen (part 1) used for a loan application;

FIG. 7 is an illustrative view showing one example of an information input screen (part 2) used for applying for a loan;

FIG. 8 is an illustrative view of a network caching member enrollment application form (including a money consumption loan agreement);

FIG. 9 is an illustrative view showing a data structure (part 1) of items to be heard by a customer when applying for a loan;

FIG. 10 is an illustrative view showing a data structure (part 2) of items to be heard by a customer when applying for a loan;

FIG. 11 is an illustrative view showing a data structure (part 3) of items to be heard by a customer when applying for a loan;

FIG. 12 is an illustrative view of a frame expansion guide screen for a mobile phone;

FIG. 13 is an illustrative view of a frame addition guide screen for personal computers.

FIG. 14 is an illustrative view of a screen for inputting a desired limit to increase the number of frames for a mobile phone;

FIG. 15 is an illustrative view of a personal computer desired frame limit input screen for a personal computer;

FIG. 16 is an illustrative view of a frame increase confirmation screen for a mobile phone;

FIG. 17 is an illustrative view of a frame increase confirmation screen for personal computers.

FIG. 18 is an illustrative view of a frame addition end screen for notifying the end of the frame addition procedure.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Financing center 100 Control means 101 Contract conclusion means 102 Loan transaction executing means 103 Credit processing means 1031 Expected frame expansion candidate extraction means 1032 Frame expansion possible person determination means 1033 History / credit limit data creation means 1034 Credit limit amount creation means 1035 Credit limit Amount granting means 104 Loan interest rate changing means 105 Repayment method changing means 106 Communication means 107 Database management means 108 Input means 109 Output means 2 Customer client 3 ATM 4 Financial institution 5 Store computer 6 Information center

Claims (14)

[Claims] Claims 1. A system for changing a contract by a network, comprising: a contract concluding means for prompting a contract for a loan with no financing limit; a loan executing means for prompting the start of a loan transaction; A frame expansion candidate extracting means for extracting a frame expansion candidate who can increase the loan from among those who have a frame, and an inquiry for determining whether or not to increase the frame for the frame expansion candidate. Sending means for prompting the answer, and obtaining the answer from the person who is planning to increase the frame, determining whether the frame can be expanded, and determining the person who can increase the frame. A system for changing a contract by a network, including means for prompting the user to input a desired amount of a frame increase, and a means for concluding a frame increase contract. 2. The system for changing a contract by a network according to claim 1, further comprising an additional financing executing means for executing an additional financing to a person who has concluded the expansion contract. 3. The system for changing a contract by a network according to claim 1, further comprising a loan interest rate changing means for executing a change of a loan interest rate to a loan contract holder. 4. The system according to claim 1, further comprising a repayment method changing means for executing a repayment method change to a loan contractor. 5. A person who has a loan transaction, obtains loan information of another person, and obtains a repayment status of the person who has the loan transaction.
The system for changing a contract by a network according to any one of claims 1 to 4, wherein whether or not to increase the amount of the quota and the amount of the quota to be extended are determined based on a criterion such as an increase or decrease in the amount borrowed by another party. 6. The method according to claim 1, wherein said transmitting means includes an e-mail.
6. A system for changing a contract by a network according to claim 5. 7. The system for changing a contract by a network according to claim 1, wherein the inquiry includes an increase / decrease in income and / or an increase / decrease in borrowed amount of a prospective person. 8. A method for changing a contract by a network, comprising: a contract concluding step, which prompts a contract for a loan with unlimited financing, and a loan transaction step, which prompts the start of a loan transaction. A frame expansion candidate extraction step of extracting a frame expansion candidate who can increase the loan from a certain person; and inquiring to determine whether or not to increase the frame expansion for the frame expansion candidate. Prompting for a response, a transmission step, obtaining a response from the person who is to increase the frame, and determining whether or not the frame can be expanded, a step for determining a person who can increase the frame, and indicating to the person who can increase the frame the amount that can be expanded, A method for changing a contract by a network, including a step of concluding a contract for expanding a frame, which prompts the user to input a desired amount of the frame. 9. The method for changing a contract by a network according to claim 8, further comprising an additional financing execution step of executing an additional financing to a person who has concluded an expansion contract. 10. The method of changing a contract by a network according to claim 8, further comprising a step of changing a loan interest rate for the loan contractor to change a loan interest rate. 11. The method of changing a contract by a network according to claim 8, further comprising a step of changing a repayment method for the loan contractor to change the repayment method. 12. A person who has a loan transaction, obtains loan information of another person, and determines whether or not to increase the amount of credit based on the repayment status of the person who has the loan transaction, a change in the amount of borrowing by another person, and the like. Claims 8 to 11 which determine the amount of the extra frame.
The method of changing the contract by the network described in any of the above. 13. The network according to claim 8, wherein the transmitting step makes an inquiry and prompts an answer in order to determine whether or not to increase the number of frames by e-mail. How to change the contract by. 14. The method for changing a contract by a network according to claim 8, wherein the inquiry includes an increase or decrease in the income of the person who intends to increase the number of shares and / or an increase or decrease in the amount borrowed by another party.